It takes about 3 working days to open an L/C. After that, it depends on how you choose to mail it. Express mail can arrive in about 3-5 days, and the courier fee should be paid by yourself and deducted from the credit card. Ordinary mail or registered mail usually takes about 1 week.

When applying for a bank loan, the bank usually examines the individual's financial ability and liabilities to assess the risk and the amount of funding. Liabilities may exist in many places, such as the use of credit cards, Alipay loans, Tencent micro-loans and so on. These are all aspects that banks should take as personal liabilities.